I voted 'other'. I rarely come across a homeless person, but there is one 'regular' who just sits on the fence outside Morrisons and asks a few people who walk past him if they have any change. The homeless people I do see are almost always outside supermarkets or food shops.
I'm the type of person who feels guilt but out of fear of feeding a junkie's habit or handing my money away to a gambler, I will buy them something small from the shop I'm going into. Usually a hot drink or maybe a small cold cut sandwich. I think even if they don't get any money from anyone else, at least they've had something warm or something to eat, y'know?
I can say as I walk past "no, sorry, I have no change" honestly, because I pay by card everywhere. I'm a poor student but I'd like to think somebody would do the same for me.